International Journal on Science and Technology

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Volume 17 Issue 3
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The Impact of Material and Moral Incentives on the Efficiency of Financing and Investment Decisions In Financial Institutions: A Field Study on Financial Institutions in Al-Jufra Municipality

Author(s) Mr. Mahdi Abraheem Arhaym Taweelah, Ms. Saed Masoud Mohammed Aljadeed
Country India
Abstract This study examines the impact of financial and non-financial incentives on financing and investment decision efficiency within financial institutions in Jufra Municipality. Given human resources' pivotal role in institutional success, motivating staff directly influences decision quality—securing low-cost funding and investing in projects with optimal risk-return profiles.
Using a descriptive analytical approach, a questionnaire distributed to a simple random sample of 35 employees and decision-makers across six local institutions, including banks and social funds. Data analyzed via SPSS employed descriptive statistics, correlations, and simple linear regression to test hypotheses.
Key findings reveal a statistically significant effect of financial incentives on financing decision efficiency, with an explanatory power of 41.1%, indicating substantial contribution to decision quality and rationalization. Non-financial incentives showed a moderate positive correlation with financing decisions. Both incentive types demonstrated statistically significant effects on investment decision efficiency.
Based on these results, the study recommends developing and improving incentive systems directly linked to performance quality. It emphasizes enhancing continuous training programs, adopting an integrative model combining both incentive types for optimal financial performance, and strengthening job security. Financial incentives strategically directed to rationalize investments, while non-financial support prioritized as a genuine driver of employee satisfaction and professional excellence. This dual approach is essential for achieving sustained efficiency in financial decision-making across the sector.
Keywords Financial Incentives, Non-financial Incentives, Financing Decisions, Investment Decisions, Performance Efficiency, Financial Institutions, Jufra Municipality.
Published In Volume 17, Issue 3, July-September 2026
Published On 2026-07-27
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Crossref DOI prefix of IJSAT is 10.71097/IJSAT

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